AI · MONEY

Use AI to Build a Budget

Free chatbots, 15 minutes, no account numbers.

Photo: Shixart1985 / CC BY 2.0

ENTRY 01 · AI

$0

FREE TOOLS

ChatGPT, Gemini and Copilot all have free versions that can sort your spending.

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ENTRY 02 · AI

Totals

NOT ACCOUNT NUMBERS

Give category totals only. Never share passwords or your Social Security number.

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ENTRY 03 · AI

Prompt

ASK FOR A TABLE

Needs, wants and savings, with your take-home pay. Ask it to show the math.

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ENTRY 04 · AI

33.4%

HOUSING SHARE

Housing is a third of U.S. household spending, BLS data for 2024 shows.

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ENTRY 05 · AI

Check

DO THE MATH

Chatbots make mistakes. Add the columns yourself before you trust the plan.

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FINAL ENTRY

Let AI sort it. You decide.

The full guide: a copy-and-paste prompt, a sample budget and privacy tips.

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Photo: Shixart1985 / CC BY 2.0